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Date : 16 February 2020

Mr Avinash Kumar

Flat No. A-1/603 Eden Court

Near Loyala School, Lingiyadih, Bilaspur

Bilaspur 495006

Chhattisgarh

Policy No. : 16900547

Mobile No. : 9752441827

Dear Mr Avinash Kumar,

Welcome to a world where what matters, above all, is your Health....Hamesha!

Welcome to a philosophy that adheres to the tested and somewhat traditional adage that caring yields the best cure; from a company that is driven
by its commitment to provide you with the very best healthcare, as much as its determination to delight and surprise you, at every given
opportunity.

We welcome you to Religare Health Insurance.

We at Religare Health Insurance are unerringly focused on providing you access to the highest quality of healthcare and putting you back on the road
to a worry-free recuperation, without a care about medical bills and other related expenses.

To help you understand our services better, please go through the 'Know your policy better' kit that accompanies this letter and constitutes the
following details:

Policy Certificate
Premium Acknowledgement
Key Policy Information
Policy Terms and Conditions
Claim Process

Also enclosed for your convenience is your Religare Health Card(s). This card should be presented at the time of an emergency or a planned
hospitalization, to access cashless treatment at our network of over 4,500+ hospitals pan-India.

To further simplify procedures, we're online as well. Visit our portal www.religarehealthinsurance.com; and view network hospitals across the
country, cashless procedures and do much more. In case of a query at any juncture, feel free to mail us at customerfirst@religarehealthinsurance.com
or call us at 1800-102-4488.

Once again, we thank you for this opportunity to serve you, and wish you and your loved ones good health always!

Team Religare Health Insurance

Religare Health Insurance Company Limited

Correspondence address : Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurgaon -122001.(HARYANA)
www.religarehealthinsurance.com
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Policy Certificate
Mr Avinash Kumar Policy No. 16900547
Plan Name CARE
Flat No. A-1/603 Eden Court
Cover type Floater
Near Loyala School, Lingiyadih, Bilaspur Policy Period - Start Date 00:00 hrs 17-Feb-2020
Policy Period - End Date Midnight 16-Feb-2021
Bilaspur 495006 Premium Paid Rs. 13043
(Premium Rs 11053.38 + CGST Rs 994.8 + IGST Rs 0 + SGST Rs
994.8 + UGST Rs 0)
Chhattisgarh 22
Premium Payment Mode Single Premium

01

Policyholder Gender Date Of Birth Client ID

Avinash Kumar Male 01-Mar-1977 74841139

Details of Insured
Date of Birth Insured with the
Name Client ID Relationship (DD-MM-YYYY) Pre-existing diseases (since) Company (since)
Avinash Kumar 74841139 Member 01-Mar-1977 None 17-Feb-2020
Arati Kumari 74841140 Spouse 01-Mar-1980 None 17-Feb-2020
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Details of Cover
S No. Particulars Details
1 Sum Insured Rs. 5,00,000

Contact details for Claims & Policy Servicing

Correspondence address Religare Health Insurance Company Limited Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurgaon -122001.(HARYANA)

Contact no. 1800-102-4488

Fax no. 1800-200-6677

E-mail ID for Claims claims@religare.com

E-mail ID for Policy servicing customerfirst@religarehealthinsurance.com

Website www.religarehealthinsurance.com

Intermediary Details
Name Code Contact Number

Robinhood Insurance
20000292 9820225238
Broker Private Limited

for Claims & Assistance: Call 1800-102-4488

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Schedule of Benefits
S No. Particulars Basis of Offering
1 Hospitalization Expenses (In-patient Care and Day Care Treatment) Room Category = Single Private Room

Pre-hospitalization up to 30 days before & Post-hospitalization up to

2 Pre-hospitalization & Post-hospitalization medical Expenses 60 days after hospitalization

3 Ambulance Cover Up to Rs. 2,000 per Hospitalization

4 Organ Donor Cover Up to Rs. 1,00,000 per Policy Year

Up to 10% of the Sum Insured per Policy Year, with a deductible of

5 Domiciliary Hospitalization first 3 days

6 Automatic Recharge One re-instatement of up to Sum Insured per Policy Year

7 Second Opinion Once per Policy Year per Insured Person for each major illness/injury

8 Alternative Treatments Up to Rs. 20,000 per Policy Year

10% of Sum Insured for each Claim free year, maximum upto 50% of
9 No Claims Bonus Sum Insured; reduced by 10% of Sum Insured in case of claim

10 Annual Health Check-up One Health Check-up per Insured Person per Policy Year

1 Special Conditions
S No. Particulars
1 Co-payment (Applicable where age of member at entry is 61 years or above)

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For Religare Health Insurance Company Limited

Authorized Signatory Date of Issue : 16-Feb-2020 Place of Issue : Gurgaon, Haryana

Service Branch : RHICL, #136 , Lower Basement Shyam Square, Pandri,Opp. Lic Building, , Raipur, Chattisgarh - 492004 Branch Contact No. : 1800-102-4488
Correspondence Address:
Religare Health Insurance Company Limited
Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurgaon -122001.(HARYANA) Contact No : 1800-102-4488
Website : www.religarehealthinsurance.com Email : customerfirst@religarehealthinsurance.com
Consolidated Stamp Duty paid vide E-Challan GRN no. 61347960 dated 27 Dec 2019, RCM Applicability- N/A
SAC: 997133 and Description of Service: Accident and Health Insurance Services State GSTIN No.: 22AADCR6281N1Z2 IRDA Registration Number - 148 UIN : RHIHLIP20091V041920
Registered office address : 5th Floor, 19 Chawla House, Nehru Place, New Delhi - 110019
CIN : U66000DL2007PLC161503
Note:
Attached with this Policy Certificate are the Policy terms and conditions, Optional Covers (if opted) and Annexures. Please ensure that these documents have been received, ead and understood. If any of these
documents have not been received, please email at customerfirst@religarehealthinsurance.com or contact the Company at 1800-102-4488 / 1860-500-4488.
For waiting periods and exclusions under this Policy, please refer to Clause 4 of the Policy terms and conditions.
This Policy Certificate in original must be surrendered to the Company in case of cancellation of the Policy.
16900547

74841139 01-Mar-1977 AVINASH KUMAR

74841140 01-Mar-1980 ARATI KUMARI
NB
1

Premium Acknowledgement

Policy No. 16900547

Client ID 74841139
Policyholder Mr Avinash Kumar
Address Flat No. A-1/603 Eden Court
Near Loyala School, Lingiyadih, Bilaspur
Bilaspur 495006, Chhattisgarh

Policy Period 17-Feb-2020 to 16-Feb-2021

Premium Details
Particulars Amount (in Rs.) S.no. Receipt Number Amount Mode of Payment
1 30812408 13043 INTERNET PAYMENT GATEWAY (IPG)
Gross Premium
Care 11,053.38

Goods & Services Tax (GST) 1,989.60

Total 13,043.00

The Premium is rounded off to the nearest rupee.

Eligibility of Premium for Deduction u/s 80D of the Income Tax Act, 1961
The premium paid through any mode other than cash for this policy is eligible for Income tax benefits to the person making the payment subject to the
provisions of section 80D of the Income Tax Act, 1961 and amendments thereof. Effective from Assessment year 2019-20, in cases where health
insurance premium for multiple years is paid in one year, it will be eligible for proportionate deduction in the years in which the health insurance continues
to be effective.
For Religare Health Insurance Company Limited

Authorized Signatory Date of Issue: 16-Feb-2020 Place of Issue: Gurgaon, Haryana

IRDA Registration Number - 148

Registered office address : 5th Floor, 19 Chawla House, Nehru Place, New Delhi - 110019
CIN : U66000DL2007PLC161503

Note
1) In case of any discrepancy, the Policyholder is requested to contact the Company immediately.
2) Any amount paid in cash towards the premium would not qualify for tax benefits as mentioned above.
3) This document must be surrendered to the Company in case of Cancellation of the Policy or for the issuance of a fresh certificate in the case of any alteration in the Policy.
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Proposal Form-'CARE'

Dear Mr Avinash Kumar

In reference to your online proposal (1120011253394) for 'Care'- Comprehensive Health Insurance policy, please find below the details as provided
by you:

Proposer Details

Name : MR AVINASH KUMAR

Address : Flat No. A-1/603 Eden Court

Near Loyala School, Lingiyadih, Bilaspur
Bilaspur-495006
Chhattisgarh

Date of Birth : 01/03/77

Landline :

Mobile : 9752441827

E-mail : archie.arti@gmail.com

Details of the Persons be Insured

Name Date of Birth Relation Pre-existing Diseases

AVINASH KUMAR 01/03/77 MEMBER NONE
ARATI KUMARI 01/03/80 SPOUSE NONE

Additional Details
A. Does any person(s) to be insured has any pre-existing diseases?

Insured 1 Insured 2
No No
B. Have any of the person(s) to be insured ever filed a claim with their current/previous insurer?

Insured 1 Insured 2
No No

C. Has any proposal for Health insurance been declined, cancelled or charged a higher premium?

Insured 1 Insured 2
No No

D. Is any of the person(s) to be insured, already covered under any other health insurance policy of Religare Health Insurance?

Insured 1 Insured 2
No No
 You agreed to following terms & conditions of the purchase of policy
a. I have read and understood the brochure/prospectus/sales literature/Terms and Conditions of the Policy and confirm to abide by the same.
b. Receipt of proposal form by the Company shall not be construed as acceptance of proposal. Commencement of risk under the Policy shall be subject to realization of full
premium and individual underwriting by the Company. The Company at its sole discretion reserves the right to accept or reject or load any proposal. Policy would start
from the date as specified in the Policy Certificate.

c. I understand that the Policy Period Start Date as specified in the Policy Certificate shall be from the 00:00 hours of the next day of the Proposal receipt at branch,
proposed policy period start date as opted by me or cheque date, whichever is later.

d. I understand that the Policy shall become void at the Company's option, in the event of any untrue or incorrect statement, misrepresentation, non-description or
non-disclosure of any material fact, in the proposal form/personal statement, declaration and connected documents or any material information having been withheld by
me or anyone acting on my behalf.

e. I hereby declare that the lives proposed to be insured would submit to medical examinations before the nominated doctors of the Company or undergo diagnostic or
other medical tests, as suggested by the Company for its underwriting.
f. I consent to and authorize the Company and/or any of its authorized representative agents to seek medical information from any hospital/medical practitioner or any other
related entity that I have attended or may attend in future concerning any illness or injury.
g. I consent to provide a valid age proof and identity proof at the time of claims or any other time when required by the Company. h.I authorize the Company to exchange,
share or part with the information relating to myself/person(s) to be insured with any external entity other than regulatory and statutory bodies, as may be required and I
will not hold the Company or its agents liable for use/sharing of this information.

h. I authorize the Company to exchange, share or part with the information relating to myself/person(s) to be insured with any external entity other than regulatory and
statutory bodies, as may be required and I will not hold the Company or its agents liable for use/sharing of this information.
i. I/We agree and undertake to convey to the Company any change/alterations carried out in the risk proposed for insurance after submission of this proposal form.
j. I/We consent to receive information from the Company the through physical, electronic or telecommunication means from time to time.

the undersigned hereby declare on my behalf and on behalf of each of the persons proposed to be insured that the above statements and particulars are true, accurate and
complete and correct in all respects and that there is all information which is relevant to this proposal that has been disclosed and not withheld from the Company. I declare
that the money used to make the premium payment has not been derived from any illegal activity or unaccounted funds. I further declare and agree that this declaration and
the answers given above shall be held to be promissory and shall be the basis of the contract between me/us and the Company.

You also agreed to receive service SMS and E-mail alerts.

Signature Not
Verified
Digitally signed by
MANISH DODEJA
Date: 2020.02.17
07:54:31 IST
Reason: I'm the author
Location: India

Religare Health Insurance Company Limited

Correspondence address : Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurgaon -122001.(HARYANA)
Website : www.religarehealthinsurance.com E-mail : customerfirst@religarehealthinsurance.com